Angela, Todd, & Grant
Jon Howard
Loan Officer
NMLS# 1568511
(813) 303-8984
Jon Howard | Loan Officer

What We Do

We’re making getting a mortgage easier than ever before. Howard Team Home Loans powered by Lower LLC
has an experienced team of brokers on staff.

Home Purchase Loans

Home Purchase Loans

Secure a home purchase loan that utilizes today’s great mortgage rates to make your dream home affordable.

Refinance Rates

Refinance Rates

Lock in great terms with current interest rates to ensure your home remains affordable—or build more equity with an update!

Rate Comparisons

Rate Comparisons

Don’t just take the first offer. Shop around. Use our rate comparisons to find the best possible plan for your home ownership strategy.

Fast Funding

Fast Funding

Seize opportunity as soon as you can with our fast funding options, giving you the freedom to cure that house fever.

Evaluate Your Property

Evaluate Your Property

Know where you stand. With a property evaluation in hand, you’ll have better access to your options so you can see the next move.

Purchase Loan

Cash-Out Refinance

Take advantage Of your home’s equity with a cash-out refinance. It’s your cash — spend it how you see fit.

Get a FREE Personalized Rate Quote Now!

Use Our Free Tools

Your time & money matter. Let’s not waste either.

From fast, custom digital quotes to a completely streamlined online loan application and approval
process, you can get your money and do what you want with it — usually in less than 30 days.

Home Purchase Loans

Home Purchase Loans

Secure a home purchase loan to make your dream of homeownership a reality, securing favorable terms and finding the best possible rates for your monthly budget!

Refinance Rates

Refinance Rates

With the best refinancing terms, you can change your monthly budget and create extra financial wiggle room at the end of every month, or receive extra cash for home updates.

Rate Comparisons

Rate Comparisons

You do better when you get to shop around. Browse the rate comparisons to see which individual mortgage terms make the most sense for you and your next purchasing decision.